# INTEGRO BANK
PHOENIX, AZ · FDIC certificate 59283 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $195.6M | |
| Deposits | $155.1M | |
| Loans and leases | $163.5M | |
| Total equity | $20.1M | |
| Loans / deposits | 103.45% (p94 of band) | 73.59% |
| Liquid assets / assets | 12.94% (p8 of band) | |
| Uninsured deposits / deposits | 30.68% (p83 of band) | 19.81% |
| Brokered deposits | 5.37% | |
| Wholesale funding | 15.20% (p91 of band) | |
| FHLB advances / assets | 7.16% | |
| Tier 1 leverage | 9.93% (p23 of band) | 11.76% |
| Unrealized securities loss / equity | -0.55% (p82 of band) | -6.57% |
| AOCI / equity | -1.30% (p21 of band) | |
| ROA (annualized) | -1.03% (p3 of band) | 1.17% |
| Net interest margin | 4.24% (p66 of band) | 3.93% |
| Efficiency ratio | 108.16% (p96 of band) | |
| Noncurrent loans | 3.71% (p95 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 50.95% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 51.66% (p80 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 34.1% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-06 | 2 | losing money, NIM <2.5% |  |
| 2022-09 | 3 | expense ratio p90 |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 3 |  | NIM <2.5% |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | loans exceed deposits |  |
| 2024-03 | 5 | noncurrent p90, reserve under noncurrent | loans exceed deposits |
| 2024-06 | 6 | loans exceed deposits |  |
| 2024-09 | 5 |  | loans exceed deposits |
| 2024-12 | 5 | loans exceed deposits | noncurrent p90 |
| 2025-03 | 3 |  | reserve under noncurrent, loans exceed deposits |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent | losing money, expense ratio p90, capital falling |
| 2025-12 | 3 | loans exceed deposits |  |
| 2026-03 | 7 | wholesale funding >15%, capital falling, losing money, expense ratio p90 |  |
| 2026-06 | 7 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-06 [Integro Bank Announces Leadership Transition as It Enters the Next Stage of Growth - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxORW05SmJGVmdTV19qUnpyTDZPa1hxdGk4aGZ5c2pYeDVfZVNzWVZDLWptTEFYQXlqRTVQczdERkN0aWp6QnR6cFZfZ0ZTaWpZcGQweHg5SmlONE1lLVdpSVdHMDJVYUVxdFN3ckprQlhfellwT3FzeUNsVkp2b1hsODktYWl3WGtjZF9HUjFheEtybW9TV0twUkV2a1hFYkFBVnA3YzVQWEVSTXZvczhoS3h3emNCTFpQSlNiMHAxakliU29HUWhSYW9wSXdRekl4THNnVA?oc=5) · PR Newswire
- 2026-08-11 [The Integro Bank CEO Club's 4th Annual Tech Summit Has Reached Full Capacity - PR Newswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxNSDJqOWtwSWh3WjVDS0NwSVpZTXdIUlU5cXZlR2hDcHZJajR3VlFVclBSVmhTWi1faTJUczJCQlRhOF9wZndpa1hPLUVXQmN1YnFOVEx6Z2RUdldtQmFqVEpRVWNRVWFBQTFkMG1oRjBtSC1UVXZDQ2lpSnkwZHRTOEw2dXN6N3EwZVlCdFNBb3pJRTlabWZIdTJHNjg2ZDdjbWt4MVRNNGhabkNJalRiUFg2NXhEVENzM213czhHdVgwX2tMWGlJbndUWQ?oc=5) · PR Newswire
- 2022-06-06 [The dry spell is over: Arizona to get second new bank in 2022 - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxNaDU3bFhWd3JDeEI1S0RuTUF3Mi1Qak8yY3BKdkpwa2tFQXFlMURiREtabERFbHZiS2lCTmZ3aXZNSzZscU1lSGRjTVdvdXYwRGZsbEtKSmxITzlBQWtPNkhDLWV2cGNidTk0U2h1dTRocUJkd3dISmlTLTZhWUg4RldRajZ6OU1tWW10WVl4ekhSOXdwbjlKa2NRNnc?oc=5) · American Banker
- 2022-12-02 [Businessmen of the Year: Three men who defied the odds and opened new Valley community banks - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxORUFxMkUxajZpMmtvcXdpSjRoUXFyaTkxXzlNUjVjcDFxUTVfZ1UwNVVoWHpnSmhfbkRfZmVkRFU4U1NGR0FjanBVZ2pDMmFodEY2WmkxM1J4Wm40Qm0yUkJVX0c4dDhhQl9vaTg4VGwySkhtNnk1R1JjelgtMDk4bFZQQ0RYekk4MDRrQjFyOWstLWw1?oc=5) · The Business Journals
- 2023-01-25 [Integro Bank launches Breakfast Connection event for small businesses - AZ Big Media](https://news.google.com/rss/articles/CBMipAFBVV95cUxOUUU1QURfWDVSTkJQWElBRC1BNTVRLUo2cjBucGVLVkZ5S1FlZXNDUEdUWHFKZ0RmY1NTcC0yRjJ5OHBHX3k3QlZkanlZVkJKYzZCbGxFbVd5MjdBdC0wb3ZMZzB6dUtoRXVRWDRNZk5sVEl2cU9TZ3AtODJhMVJ3MnpoOHFHcHNkNHFyZDdVRkhmRmp4QnhrWl92TXFNeldWTUNNNA?oc=5) · AZ Big Media
- 2022-05-19 [Integro Bank gains conditional approval to launch, raise money - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNT0cxYTdVdnBfT1kzNmF2UExVakdEWWlqZFFFX1JiY3drTFZRTFl6TXBXZ0dUS0ZVVjJFNEhUSlBqQW5hTG44R3M3Q2NiSGxhLUZyVFNmVGVrd3dLNHU5dm55UnBKQVJ0MGFaTFpwY193VVpRbDFWRWpDNTBENE5VY0kzaEdncURpRzJRQktfUnRROC1vM1dfSkZjNVBVT1k?oc=5) · The Business Journals
- 2022-11-29 [Integro Bank obtains SBA approval - AZ Big Media](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQWkdCdFViR3g5TVFDUHd5N0duMXdXTEhNOEY4ZkZkdTBnMzBFY2J0OWhCS1VTVDNHTUFGam9HSTY1cUxJZEtlRHFoaEJ3VmN3bFQ2aWhmS1NfSDRzSEw5ek9vWjg3WWVTRGZfOVFjOXRTVHFjMUg0QVgtSnd6M012Yk1Kdjdnblg0YXpR?oc=5) · AZ Big Media
- 2022-06-21 [Integro Bank Successfully Launches - PR Newswire](https://news.google.com/rss/articles/CBMilAFBVV95cUxPblpqNGdSX0NKcmd3RVVhOFZKSnpoYW84R1ZoY2thM0xpVmdmV05ad1BiLXZmYVhfQnFqSlhzMGNYMnU0cGx6UHVTcXJ1VTZLa3JMVW80VDVOOHRCVC1LbDU1R1JYdm8taDJLTnpONnRjQlplNHlYcXpTYllGYnpsSURKc255aDJyb3VoN1UtaFdSNGdm?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59283 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "59283", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide